So when investors pool their assets to optimize their investment and their bargaining power, that is called a corporation and is seen as the very heart and soul of capitalism.

But when workers pool their bargaining power to optimize their wages and benefits when dealing with a corporation, that is a union and is frowned upon as evil collectivism.

When insurance customers pool their resources to help their bargaining power for terms of coverage, that is Obamacare and must be repealed.

Because individuals and families with limited incomes and resources should be expected to be on a level playing field with multi-billion-dollar international entities.

Got it.